Realcor Developments Ltd.

Complaint: [redacted]
I am rejecting this response because: I [redacted] call the  Veterans Dept. at [redacted] and they told me they had nothing to do with that and that's not how they get money that's owed to them, I gave them the check number that NetSpend gave me they said they never heard of anything like that. I explain to them that I loaded the card at CVS store May 18-2016 and NetSpend do not want to give me my money back. This is another run around they are doing  not to pay my money back. They first told me Social Security took my money, so I went to the Social Security they told me that's not how they work and I should ask to speak to a manger, I did then they gave me the number to Social Security to call I was told the same thing. Then theyNetSpend told me a check was going to be mail out  that never happen! I just want my money back it's not Fair please help me get my money back.
Regards,
[redacted]

To Whom It Concerns: We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.    On March 10, 2017 Ms. [redacted] contacted us to report an unauthorized transaction that posted on her Card Account.  We immediately blocked the card to...

prevent any further unauthorized use and we ordered her a replacement card.  We promptly opened a dispute claim and began our investigation.  We also informed Ms. [redacted] of the investigation timeframe afforded under Regulation E.    A member of our Corporate Office spoke with Ms. [redacted] on March 27 and discussed her dispute claim.  We completed our investigation the same day and issued full reimbursement for the disputed transaction. The results of the claim resolution will be mailed to Ms. [redacted] address on file.   We have provided Ms. [redacted] with our direct contact information should she have any additional questions concerning this matter.    Thank you,   [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the problems he has experienced with his dispute claim. On March 29th, we sent Mr. [redacted] documentation to support the conclusion by our Disputes Team of his claim being closed with no credit being issued to his account. These documents included an IP query showing Mr. [redacted] authenticated the pin number for the card he called to block lost/stolen. Mr. [redacted] sent a copy of his incarceration documents; however, it is believed that Mr. [redacted] benefited from the transactions he opened a claim for.Netspend regrets any inconvenience that Mr. [redacted] experienced with the outcome of his claim.  He has been given our contact information should he have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because I stated that the card numbers that I read over the phone to the scammer including the numbers on the back of the cards should not be enough for a scammer to claim ownership of the card accounts.  Then reading these card numbers including codes on the back 3 hours later while reporting the fraud should be enough not to ignore the complaint of emergency fraud prior to recieving other documentation.  At the time of purchase of these cards, there should have been my identification associated with these card purchases, and if that did not happen then it is a flawed insecure system if after the purchase someone else can claim ownership just by getting card numbers.  The scammer must have knew about this flawed security system and probably has gotten many more victims as a result of this.  Then, after the fact there was no protection and the scammer can roam free with these accounts that easily.  Where is the justice and where is the security?
Regards,
[redacted]

Wednesday, June 21, 2017To Whom It May Concern:Thank you for forwarding Mr. [redacted]’ complaint to us. As you requested, we addressed this matter directly with Mr. [redacted] on June 16, 2017 by way of telephone. If a letter has been sent, it should be received within the next five business...

days. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern.Thank you, [redacted]Customer Experience Analyst Netspend, a TSYS Company

Friday, July 29, 2016 To Whom It May Concern:We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. We appreciate Ms. [redacted]’s additional comments. On July 21, we concluded our investigation and issued full reimbursement for the unauthorized transaction back to Ms. [redacted]’s account. We also credited her account for the $15 overdraft fee cause by the unauthorized transaction. We attempted to reach Ms. [redacted] again on July 29, but unfortunately, we have not had the opportunity to speak with her. In an email sent to her, we suggested that she view the transaction history online or contact our Customer Service Department to request statement history. Our records reflect both the credits posted to her account on July 21, one for the disputed transaction and other for the overdraft feeMs. [redacted] has been provided with our contact information should she have any additional questions or concerns. Thank you, [redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom
It May Concern:We received complaint # 1[redacted] filed with your office by [redacted] concerning a pending unauthorized
charge on a card that she thought was blocked.  She’s requesting the pending transaction to be released back into her
account immediately.  On October 21,...

2015, a transaction
from [redacted] in the amount of $11.00 was charged to Ms. [redacted]’s card, and
she contacted our customer service to report the transaction as unauthorized.  As a result of the transaction being in a
pending state at the time that Ms. [redacted] contacted our customer service, we
were unable to proceed with disputing the transaction until it posted to the
account. However, our customer service blocked Ms. [redacted]’s card in order to
prevent further compromise on her account. This card was not blocked prior to
the reported unauthorized transaction from [redacted], but it was a replacement
card of a card that Ms. [redacted] blocked on February 20th. As a
courtesy, we released the pending transaction from [redacted] back into Ms. [redacted]’s
account on October 29th since the merchant had not collected the
funds in seven days. Releasing this transaction is not a void or cancellation
of the original transaction.  If [redacted] collects
the funds later, Ms. [redacted] has the options to either work with the merchant to
retrieve her funds, or file a dispute through NetSpend.  NetSpend
regrets the inconvenience that Ms. [redacted] experienced while attempting to resolve
the unauthorized transaction from [redacted].  She has been given our contact information should she have any further
questions or concerns.  Thank
you,
[redacted]Corporate
Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on his account. On July 22, 2016, Mr. [redacted] purchased and loaded funds on to his new NetSpend card.  He contacted our Customer Service Department to complete the...

activation process.  Our system recognized that he had a previous negative balance and automatically blocked the account until the balance could be recovered. On July 25, a member of our Corporate Response Team spoke with Mr. [redacted] to address the block on his account. We confirmed with Mr. [redacted] that he had previous accounts with Netspend through different partner brand of ours. After further review, the block was removed from his account and Mr.  [redacted] can now access the funds on his card. We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because: my money was stolen I did not benift my card was blocked and I never was able to use the card . I have submitted copys of law suits about net spend doing unethical practices . I mwpuldm like my 10,000 dollars refund . I have submitted all my documents and id with adress and signature.
this id not my signature and I have submitted a plice report calims and legal demand letter.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
PayPal sent them an update July 24 they just refuse to check for it. Also won't close my account as I requested.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she reported her NetSpend card as stolen and waited 10 business days but no credit was issued for the disputed transactions. She wants her disputes claim reopened and a full...

credit issued to her. On July 6, 2015, Ms. [redacted] disputed nine PIN based transactions that occurred over a three day period. We updated her disputes claim on the tenth business day, July 20th, with no error found with the transactions that were disputed. We closed the claim, and mailed her a disputes closure letter that advised her of the conclusion of her disputes claim. We also closed the account due to risk factors. The Personal Identification Number (PIN) was never changed but it was known by the person using the card for the unauthorized transactions. Ms. [redacted] had active text message alerts sent to her from NetSpend during the three day period but did not report the card as stolen until six days after the first disputed transaction. At this time Ms. [redacted] is no longer eligible for NetSpend services. NetSpend regrets the inconvenience that Ms. [redacted] experienced from the unauthorized transactions. We have provided her with our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a request for account history. Our records do not indicate that Ms. Ha or the cardholder have contacted us to request the cardholder’s account statement. We spoke with Ms. Ha on April 14, 2016, and...

requested to speak with the cardholder listed on the account. For security reasons our policy is to only share account information with a cardholder listed on the account. The cardholder contacted us and we provided him with his account statements that he requested. Our customer has been provided my contact information should he have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:Nobody has investigated anything on this case, I am prepared to send you photos and videos of the man using my card and my medical records showing I was not able to walk or even leave my house due to my accident. I never gave anybody my pin number and have no idea how this man was able to acquire it. The [redacted] and [redacted] police departments have never been contacted byanybody from any office. So how can you simply say case closed. This is a bunch if red tape garbage and you are unlawfully holding miney that belongs to me.
Regards,
[redacted]

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her direct deposit from her employer.    On July 7, 2016, Ms. [redacted] received a direct deposit under the name [redacted],[redacted] to her account.  Because the name on...

the deposit did not match the name on Ms. [redacted]’ account, the deposit was placed in a pending status.  On July 8, the deposit was returned back to the originator.   In response to her communication, we informed Ms. [redacted] that the direct deposit was returned back to her employer.  On July 11, we provided a letter to Ms. [redacted] and her employer confirming that the deposit was returned back to the originator.  Once a deposit is returned, it can take up to 6 business days to be received.     NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of the deposit review process. We regret that Ms. [redacted]’s deposit was submitted to us under a different name.  If the name on the deposit is corrected, we will make sure her deposit is posted as soon as it is received.    We have provided her Ms. [redacted] with our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the Overdraft Protection Agreement.  She’s requesting to be allowed three overdraft fees per month.  The Optional Overdraft Protection Program is an optional service made available...

to eligible ACE Elite cardholders.  If the available account balance is overdrawn beyond the $10.00 purchase cushion, we will charge a $15.00 fee for each transaction that draws the account further into the negative.  As a part of the cardholder agreement, NetSpend will only collect on a maximum of three overdraft fees per calendar month.  Mrs. [redacted] agreed to these terms when she enrolled in the program on October 7, 2010.  Overdraft Protection is offered in our sole and absolute discretion as a non-contractual courtesy to you, and as such, we may elect to deactivate Overdraft Protection for your Card Account at any time, refuse to authorize any transaction that exceeds your Card Account balance, modify eligibility or activation requirements, modify or change the Optional Overdraft Protection Program fee, limits, or any other aspect of the program, and/or terminate the Optional Overdraft Protection Program in its entirety at any time. On December 12, 2015, we placed Ms. [redacted] Optional Overdraft Protection Program into a ninety day deactivation period.  We are not obligated to notify the cardholder when they enter the deactivation period.  She will regain access to the Optional Overdraft Protection Program on March 11, 2016 as long as the account continues to meet the program eligibility requirements.  NetSpend regrets the inconvenience that Mrs. [redacted] experienced. We have provided Mrs. [redacted] with our contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
This is has been resolved.Thank you.
Regards,
[redacted]

To Whom It May Concern:We received complaint # *** filed with your office by *** ***. Mr. *** states that he had his paycheck sent to the NetSpend card, but it did not post. He wants his money that he worked hard for.On July 16, 2015, we attempted to contact Mr. *** by telephone and...

email. NetSpend receives direct deposits by Automated Clearing House (ACH). This method uses the account and routing numbers to send the funds to the designated recipient. We sent Mr. *** a copy of the necessary direct deposit information on July 10th. No direct deposits have been presented for posting to his account. NetSpend regrets the inconvenience Mr. *** experienced while waiting for his direct deposit. We have provided him our contact information should he have any additional questions or concerns. Thank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by Joseph [redacted] concerning our direct deposit posting process to his Skylight Financial account managed by NetSpend Corporation. Mr. [redacted] direct deposit is governed by the National Automated Clearing House...

Association (NACHA) Operating Rules.  NetSpend processed Mr. [redacted] direct deposit properly in accordance with the NACHA Rules.  The NACHA rules govern the roles and responsibilities of financial institutions and ACH Network participants.  The senders of each ACH deposit to Mr. [redacted] account include a settlement date for the electronic funds.  NetSpend posts the funds from each deposit on the settlement date in accordance with the NACHA Operating Rules.  The funds are available on Mr. [redacted] account for transactions after the ACH deposit posts.  This available balance is presented to our cardholders by telephone, text message, and internet so they can complete charges without incurring overdraft fees.  We reached out to Mr. [redacted] on March 15, 2016, but unfortunately, we have been unable to speak with him.  We will assist with his concerns when he returns our call.  NetSpend regrets any inconvenience that Mr. [redacted] experienced with his direct deposit posting.  We have provided him our contact information should he have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she experienced with replacing a lost card and getting access to the funds on that account.   She’s requesting a refund for the fees she paid on the new...

account.  On January 16, 2016, Ms. [redacted] reported her NetSpend card as lost through the automated telephone system.  The next day, she activated a new card / account purchased from a retail distributor and she called to transfer funds from her older account.  After the Risk Department reviewed the request to move the money, we transferred her funds to the new account on the evening of January 17th.  We also ordered her a replacement card for the old account.  The new card did not qualify for the premier features that she had on the old account, resulting in a transaction fee for each purchase.  As a courtesy to our loyal cardholder, we refunded her transaction fees on January 26th.  The next day we transferred her remaining funds back to the old account because she received her replacement card.  NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to access the funds from her lost card.  We have provided her with our contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: We received complaint # 10998809 filed with your office by [redacted], concerning a card that was mailed to her that she did not order. She’s requesting for NetSpend to remove her information from the system so that she does not receive future card offers.  NetSpend...

works with third party marketing partners that provide us with information for consumers who may need a service like our prepaid debit card. We mail those consumers card offers. The card offer is not active and the card cannot be used unless activated. Our activation verifies the identity of each potential cardholder as a part of our Customer Information Program. This ensures that the card can only be used by the intended recipient. During the offer activation, we collect social security number and date of birth to verify identity only. There is no credit check involved because our Prepaid Debit Card is not a credit card.  The primary cardholder must be at least 18 years of age.  On December 23, 2015, we reached out to Ms. [redacted] by telephone and email.  We have not had the opportunity to speak with her, but will address her concerns when she returns our call.  We have cancelled the card offer that was sent to her, and have updated our systems to prevent future card offers from being sent to Ms. [redacted].  Additionally, we have submitted a request to our Marketing Department in order to obtain information on how her name and address was obtained.  We will convey that information to her once it is received.  We regret any inconvenience Ms. [redacted] experienced as a result of this card offer.  She has been given our contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company